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Saturday, April 02, 2005

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In addition, nonprofit counseling programs sometimes are operated by
universities, military bases, credit unions, and housing authorities.
They're also likely to charge little or nothing for their services. Or, you
can check with your local bank or consumer protection office to see if
it has a list of reputable, low-cost financial counseling services.

free credit counseling

If you can't resolve your credit problems yourself or you need
additional help, you may want to contact a credit counseling service.
There are non-profit organizations in every state that counsel
consumers in debt. Counselors try to arrange repayment plans that
are acceptable to you and your creditors. They also can help you set
up a realistic budget. These counseling services are offered at little or
no cost to consumers. You can find the office nearest you by
checking the white pages of your telephone directory.

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Need Help? Don't Despair
Just because you have a poor credit report doesn't mean you won't
be able to get credit. Creditors set their own credit-granting standards
and not all of them look at your credit history the same way. Some
may look only at more recent years to evaluate you for credit, and
they may grant credit if your bill-paying history has improved. It may
be worthwhile to contact creditors informally to discuss their credit
standards.